How to Cancel Your MetLife Life Insurance Policy

Gather Required Information

Before calling MetLife, locate your policy number, personal identification (Social Security number or driver's license), and the exact date you want the coverage to end. Having a recent statement or the original policy document helps the representative locate your account quickly.

Contact MetLife Customer Service

MetLife provides several channels: a toll‑free phone line (1‑800‑638‑5433 in the U.S.), a secure online portal, or a written request via certified mail. Phone calls give immediate confirmation, while written requests create a paper trail that can be useful if disputes arise.

Submit a Formal Cancellation Request

If you choose the online portal, log in, navigate to "Policy Services," and select "Cancel Policy." Follow the prompts to confirm the cancellation date and reason. For mail, include your policy number, a brief statement of intent, and a signature. Keep a copy of the mailed letter and the tracking receipt.

Understand Potential Refunds and Fees

MetLife may issue a prorated refund for any prepaid premiums, but some policies have surrender charges or administrative fees. The exact amount depends on the policy type (term vs. whole life) and how far you are into the premium cycle. Ask the representative for a written estimate of any refund or charge.

Confirm Cancellation in Writing

After the request is processed, MetLife should send a cancellation confirmation via email or postal mail. Verify that the document lists the effective cancellation date and any final balance. Store this confirmation with your other insurance records.

Check for Remaining Obligations

Some policies require a final premium payment before the cancellation is complete. Review the confirmation letter to ensure no outstanding amounts remain, and settle any balance promptly to avoid a lapse that could affect future insurance applications.

Consider Alternatives Before Cancelling

Before ending coverage, evaluate whether a policy conversion, reduced benefit, or temporary pause might better suit your needs. MetLife often offers options that preserve some protection without the full premium cost.

Table: Cancellation Options Overview